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    • All HBS Web  (843)
      • Faculty Publications  (30)

      Fintech Remove Fintech →

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      The Dark Side of Fintech Borrowing
      Consumers turning to fintech lenders are more likely to spend beyond their means, sink further into debt, and ultimately default more often than...
      The Dark Side of Fintech Borrowing
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      • February 2021
      • Case

      Lidya: Bringing Nigerian FinTech Innovation to Global Small and Medium Enterprises

      By: Lauren Cohen and Spencer C.N. Hagist
      Lidya CEO Tunde Kehinde must size up options for the expansion of his novel lending practices that drastically reduce the credit cycle in his developing Nigeria, and determine if expansion into Eastern Europe will prove successful or disasterous.  View Details
      Keywords: Economics; Entrepreneurship; Finance; Strategy; Nigeria
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      Cohen, Lauren, and Spencer C.N. Hagist. "Lidya: Bringing Nigerian FinTech Innovation to Global Small and Medium Enterprises." Harvard Business School Case 221-083, February 2021.
      • February 2021
      • Case

      Bairong and the Promise of Big Data

      By: Lauren Cohen, Xiaoyan Zhang and Spencer C.N. Hagist
      Bairong CEO Felix Zhang, in launching his credit scoring start-up that incorporates 74,000 variables per individual, found strong initial success. However, the shifting regulatory environment, growing breadth of competitors, difficulties in retaining top talent, and...  View Details
      Keywords: Finance; China
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      Cohen, Lauren, Xiaoyan Zhang, and Spencer C.N. Hagist. "Bairong and the Promise of Big Data." Harvard Business School Case 221-068, February 2021.
      • 2021
      • Working Paper

      FinTech Lending and Cashless Payments

      By: Boris Vallée, Pulak Ghosh and Yao Zeng
      This study provides a new perspective to understand the rise and future potential of FinTech lending by linking it to the informational role of cashless payments. We uncover both theoretically and empirically a synergy between FinTech lending and cashless payments....  View Details
      Keywords: fintech; Lending; Payments; Data Sharing
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      Vallée, Boris, Pulak Ghosh, and Yao Zeng. "FinTech Lending and Cashless Payments." Working Paper, February 2021.
      • January 2021
      • Case

      eToro: Building the World's Largest Social Trading Network

      By: Elie Ofek and Danielle Golan
      Social trading platform eToro was preparing for the launch of its expanded offering in the U.S. The company faced critical decisions regarding product-market fit, go-to-market strategy, positioning and monetization. Moreover, it faced the challenge of how best to make...  View Details
      Keywords: Social Trading Platform; Investment; Social And Collaborative Networks; Marketing Strategy; Expansion
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      Ofek, Elie, and Danielle Golan. "eToro: Building the World's Largest Social Trading Network." Harvard Business School Case 521-057, January 2021.
      • September 2020
      • Case

      Building India's 2.0: PayNearby

      By: Lauren Cohen and Spencer C. N. Hagist
      Headquartered in Mumbai, India, FinTech startup Nearby Technologies has seen its flagship brand, PayNearby, rapidly flourish across most of its target market within just four years. The unprecedented success of its payment app, which allows users to access banking...  View Details
      Keywords: fintech; Developing Markets; Payments; Finance; Entrepreneurship; Emerging Markets; Competitive Strategy; Banking Industry; India
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      Cohen, Lauren, and Spencer C. N. Hagist. "Building India's 2.0: PayNearby." Harvard Business School Case 221-027, September 2020.
      • September 2020
      • Article

      Regulatory Sandboxes: A Cure for mHealth Pilotitis?

      By: Abhishek Bhatia, Rahul Matthan, Tarun Khanna and Satchit Balsari
      Mobile health (mHealth) and related digital health interventions in the past decade have not always scaled globally as anticipated earlier despite large investments by governments and philanthropic foundations. The implementation of digital health tools has suffered...  View Details
      Keywords: Covid-19; Mhealth; Digital Health; Design Thinking; Regulation; Intervention; Regulatory Sandbox; Health Care And Treatment; Technological Innovation; Design; Governing Rules, Regulations, And Reforms; India
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      Bhatia, Abhishek, Rahul Matthan, Tarun Khanna, and Satchit Balsari. "Regulatory Sandboxes: A Cure for mHealth Pilotitis?" Journal of Medical Internet Research 22, no. 9 (September 2020).
      • August 2020 (Revised January 2021)
      • Case

      Nubank: Democratizing Financial Services

      By: Michael Chu, Carla Larangeira and Pedro Levindo
      Nubank, a wholly-digital solution created to disrupt Brazilian banking, with 6 million clients and a $4 billion valuation after five years, must decide whether to expand to Mexico. The company was founded in São Paulo in 2013 by Colombian-born David Vélez to seize what...  View Details
      Keywords: fintech; Financial Inclusion; Digital Banking; Credit Cards; Banks And Banking; Disruption; Expansion; Growth And Development Strategy; Financial Services Industry; South America; Brazil; North America; Mexico
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      Chu, Michael, Carla Larangeira, and Pedro Levindo. "Nubank: Democratizing Financial Services." Harvard Business School Case 321-068, August 2020. (Revised January 2021.)
      • August 2020
      • Case

      PayPal: The Next Chapter

      By: Michael Porter, Mark Kramer and Annelena Lobb
      Can a social purpose and stakeholder capitalism confer a powerful competitive advantage in the age of COVID-19? For PayPal, the answer is yes. After spinning off from eBay in a 2015 IPO, the company declared its purpose as "democratizing financial services" by ensuring...  View Details
      Keywords: Mission And Purpose; Finance; Business And Stakeholder Relations; Social Entrepreneurship; Competitive Advantage; Financial Services Industry
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      Porter, Michael, Mark Kramer, and Annelena Lobb. "PayPal: The Next Chapter." Harvard Business School Case 721-378, August 2020.
      • June 2020
      • Teaching Note

      CredEx Fintech: Business Model Transformation During the Digital Era

      By: Laura Huang, Raphael Amit and Xu Han
      Teaching Note for HBS Case No. 420-080.  View Details
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      Huang, Laura, Raphael Amit, and Xu Han. "CredEx Fintech: Business Model Transformation During the Digital Era." Harvard Business School Teaching Note 420-123, June 2020.
      • May–June 2020
      • Article

      The New-Market Conundrum

      By: Rory McDonald and Kathleen M. Eisenhardt
      Brand-new markets are like the wormholes of science fiction, where the usual rules of time and space do not apply. When a market has just been born, the forces of competition there are constantly in flux, it’s unclear who your customers really are, and conventional...  View Details
      Keywords: New Markets; Business Model; Strategy; Framework; Innovation And Invention; Value Creation
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      McDonald, Rory, and Kathleen M. Eisenhardt. "The New-Market Conundrum." Harvard Business Review 98, no. 3 (May–June 2020): 75–83.
      • April 2020 (Revised August 2020)
      • Case

      CredEx Fintech: Business Model Transformation During the Digital Era

      By: Laura Huang, Raphael Amit and Xu Han
      Founded in 2010, CredEx has been a fast and constant innovator in the microfinance industry in China. Tang Xia, CEO and co-founder of CredEx, has led the company through a number of profound business model innovations in response to external environment changes, which...  View Details
      Keywords: Digitization; fintech; Business Model; Innovation And Invention; Transformation; Microfinance; Organizational Change And Adaptation
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      Huang, Laura, Raphael Amit, and Xu Han. "CredEx Fintech: Business Model Transformation During the Digital Era." Harvard Business School Case 420-080, April 2020. (Revised August 2020.)
      • March 2020 (Revised November 2020)
      • Case

      FinTech Hive at DIFC: Creating a Fintech Ecosystem in Dubai

      By: Marco Di Maggio and Gamze Yucaoglu
      The case opens in 2019 as Raja Al Mazrouei, executive vice president of FinTech Hive (the Hive) at the Dubai International Financial Centre (DIFC), the first and largest financial technology accelerator in the Middle East, Africa and South Asia region, contemplates her...  View Details
      Keywords: fintech; Emerging Markets; Business Startups; Venture Capital; Management; Technology; Growth Management; Financial Markets; Financial Institutions; United Arab Emirates; Middle East; Dubai
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      Di Maggio, Marco, and Gamze Yucaoglu. "FinTech Hive at DIFC: Creating a Fintech Ecosystem in Dubai." Harvard Business School Case 220-066, March 2020. (Revised November 2020.)
      • October 2019
      • Case

      Leading Bank Leumi into the Future

      By: Joshua D. Margolis, Allison M. Ciechanover, Nicole Keller and Danielle Golan
      An unlikely but highly effective leader of a traditional bank, Rakefet Russak-Aminoach, simultaneously leads a classic change effort and an unconventional effort to innovate. She focuses her initial energy on making the bank more efficient in the face of industry...  View Details
      Keywords: Mobile Banking; Digital Banking; fintech; Startup; Financial Services; Artificial Intelligence; Leadership; Innovation; Efficiency; Organizational Change; Personal Development; Female Ceo; Banks And Banking; Mobile Technology; Leadership; Organizational Change And Adaptation; Innovation And Invention; Disruption; Information Technology; Opportunities; Performance Effectiveness; Personal Development And Career; Financial Services Industry; Banking Industry; Israel
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      Margolis, Joshua D., Allison M. Ciechanover, Nicole Keller, and Danielle Golan. "Leading Bank Leumi into the Future." Harvard Business School Case 420-063, October 2019.
      • October 2019
      • Case

      Kaspi.kz IPO

      By: Victoria Ivashina and Esel Çekin
      This case follows Kaspi.kz, a private equity (Baring Vostok) co-owned retail bank in Central Asia that evolved into a fintech, payments and e-commerce company. It provides insights into private equity financing, portfolio company management, and initial public offering...  View Details
      Keywords: Finance; Private Equity; Initial Public Offering; Organizational Change And Adaptation; Central Asia
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      Ivashina, Victoria, and Esel Çekin. "Kaspi.kz IPO." Harvard Business School Case 220-007, October 2019.
      • September 2019 (Revised September 2020)
      • Case

      Sopra Banking Software: Can a French Fintech Succeed in the U.S.?

      By: Christina R. Wing
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      Wing, Christina R. "Sopra Banking Software: Can a French Fintech Succeed in the U.S.?" Harvard Business School Case 620-004, September 2019. (Revised September 2020.)
      • July 2019 (Revised November 2019)
      • Case

      Salary Finance

      By: John R. Wells and Benjamin Weinstock
      In April 2019, Asesh Sarkar, co-founder and chief executive of Salary Finance Limited, a London-based FinTech, faced tough choices. Sarkar had founded Salary Finance with Dan Cobley and Daniel Shakhani in 2015. The company’s value proposition was quite simple: partner...  View Details
      Keywords: Credit; Financing And Loans; Wages; Innovation And Invention; Expansion; Growth And Development Strategy; Organizational Culture; Decision Choices And Conditions; Financial Services Industry
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      Wells, John R., and Benjamin Weinstock. "Salary Finance." Harvard Business School Case 720-355, July 2019. (Revised November 2019.)
      • 2019
      • Book

      Fintech, Small Business & the American Dream: How Technology Is Transforming Lending and Shaping a New Era of Small Business Opportunity

      By: Karen G. Mills
      Fintech, Small Business & the American Dream describes the needs of small businesses for capital and demonstrates how technology—novel data sources, artificial intelligence, machine learning—will transform the small business lending market. This market has been...  View Details
      Keywords: fintech; Big Data; Data; Technology; Artificial Intelligence; Great Recession; Regulation; Policy; Innovation; Banks; Lending; Loans; Access To Capital; American Dream; Community Banking; Small Business Administration; Entrepreneur; Government; Public Policy; Api; Policy Making; Small Business; Financing And Loans; Technological Innovation; Financial Crisis; Banks And Banking; Governing Rules, Regulations, And Reforms; Policy; United States
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      Mills, Karen G. Fintech, Small Business & the American Dream: How Technology Is Transforming Lending and Shaping a New Era of Small Business Opportunity. Palgrave Macmillan, 2019.
      • March 2019 (Revised October 2020)
      • Case

      GENTERA: Facing the Digital Age

      By: Michael Chu and Carla Larangeira
      After long dominating Mexican microfinance, Compartamos Banco faces the emergence of fintech, just as for the first time its loan portfolio and clients have declined. Enrique Majós, CEO of GENTERA, the bank´s parent company, is keenly aware of the profound changes...  View Details
      Keywords: Micro Finance; Base Of The Pyramid; fintech; Microfinance; Disruption; Innovation And Management; Competitive Strategy; North America; Mexico
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      Chu, Michael, and Carla Larangeira. "GENTERA: Facing the Digital Age." Harvard Business School Case 319-092, March 2019. (Revised October 2020.)
      • March 2019 (Revised January 2021)
      • Case

      Accion's Fintech Strategy

      By: V. Kasturi Rangan, Michael Chu and Tricia Gregg
      Accion, an NGO, had been a pioneer in microfinance since its entry into that sector in the early 1970s. Its investments in Banco Compartamos paid off, when the microfinance bank went IPO in 2007, leaving an influx of $138 million for Accion. Under a new CEO, Michael...  View Details
      Keywords: Financial Inclusion; fintech; Impact Investing; Finance; Technological Innovation; Strategy; Industry Growth; Strategic Planning; Performance Effectiveness
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      Rangan, V. Kasturi, Michael Chu, and Tricia Gregg. "Accion's Fintech Strategy." Harvard Business School Case 319-091, March 2019. (Revised January 2021.)
      • December 2018 (Revised March 2019)
      • Case

      iyzico: Fundraising in Emerging Markets (A)

      By: Marco Di Maggio and Gamze Yucaoglu
      The case opens in 2016 as Barbaros Ozbugutu, co-founder and CEO of the Istanbul-based payment technology start-up iyzico, contemplates the offers the company received for its Series C round. The case then describes iyzico’s origins and provides a detailed overview of...  View Details
      Keywords: Iyzico; Fundraising; Business Startups; Venture Capital; Emerging Markets; Private Sector; For-profit Firms; Management; Technology; Growth Management; Corporate Entrepreneurship; Negotiation Offer; Decision Making; Turkey
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      Di Maggio, Marco, and Gamze Yucaoglu. "iyzico: Fundraising in Emerging Markets (A)." Harvard Business School Case 219-064, December 2018. (Revised March 2019.)
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      Are you looking for?

      The Dark Side of Fintech Borrowing
      Consumers turning to fintech lenders are more likely to spend beyond their means, sink further into debt, and ultimately default more often than...
      The Dark Side of Fintech Borrowing
      → Search All HBS Web
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